Capital that breaks ground
before the bank wires.
Mobilization capital the day the contract is signed. Equipment financing against your fleet. Liquidity unlocked from retainage and progress invoices — placed with lenders who underwrite backlog, not just two years of clean returns.
Pre-Qualify
Get indicative finance equipment terms.
60-second pre-qualification. No credit pull. A Summit advisor responds within one business day.
The Reality
Your backlog is your collateral.
Make a lender treat it that way.
Construction operators carry uneven cash flow by design: progress billing, retainage, and material-cost spikes create funding gaps that traditional banks rarely address with speed. Summit places capital with lenders who underwrite contract backlog, equipment value, and project-level economics — not just two years of clean tax returns.
The Retainage Math
$1M project. Where the cash actually lives.
Funds operations as draws clear — net 30–60 from owner.
Sits with the GC or owner for 6–18 months after final inspection.
60% LTV against retainage line — your margin, back in your account now.
Across a $5M annual book, that's $300K of margin sitting in someone else's account. A retainage line pulls most of it forward without affecting bonding.
Recommended Capital
The three facilities every contractor should know.
Finance excavators, trucks, attachments, and trailers with the equipment as collateral. Up to 100% financing including soft costs.
Advance against unpaid progress invoices and retainage. Same-day liquidity against creditworthy GCs and owners.
Standby revolving capital for payroll, materials, and project mobilization between draws.
From the Job Trailer
What GCs and subs actually ask us.
Can I get financing on a newly awarded contract with no historical revenue from it?+
Yes. Contract-based lenders advance mobilization capital against the executed contract, GC creditworthiness, and your operating history. Most decisions in 48–72 hours.
Will lenders finance progress invoices and retainage?+
Construction-friendly factors and ABL lenders specifically underwrite progress billing. Retainage is typically advanced at a lower rate (40–60%) versus current invoices (80–90%).
Do I need clean tax returns?+
For equipment and invoice facilities, no — bank statements, AR aging, and equipment value drive underwriting. Term loans and SBA do require returns.
Next Step